Should I invest in Edelweiss Banking and PSU Debt Fund Monthly?

We don't give personal investment advice. Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: -0.64%.

Edelweiss

Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option

Latest NAV

₹10.9197

As of

3 Jun 2026

2,303 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.04%	+0.04%	+0.01	40 / 60	Q3
1W	+0.24%	+0.18%	+0.05	29 / 60	Q2
2W	+0.27%	+0.25%	+0.02	40 / 60	Q3
1M	+0.26%	+0.10%	+0.17	8 / 60	Q1
3M	+0.04%	-0.18%	+0.23	24 / 60	Q2
6M	+0.13%	+0.11%	+0.02	21 / 60	Q2
YTD	+0.06%	+0.01%	+0.05	26 / 60	Q2
1Y	+0.00%	+0.62%	-0.62	23 / 60	Q2
2Y	0.00%	+2.02%	-2.02	41 / 60	Q3
3Y	-0.02%	+1.80%	-1.83	36 / 57	Q3
4Y	-0.03%	+1.90%	-1.93	45 / 51	Q4
5Y	-0.64%	+1.49%	-2.13	46 / 50	Q4
7Y	+0.39%	+1.49%	-1.10	18 / 47	Q2
10Y	—	—	—	—	—
Inception	+0.46%	+1.97%	-1.51	31 / 57	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.06%	-0.12%	+0.18	21 / 51
2025	-0.10%	+2.37%	-2.46	49 / 52
2024	+0.01%	+2.35%	-2.33	37 / 53
2023	+0.04%	+2.08%	-2.03	35 / 51
2022	-3.01%	+1.10%	-4.11	47 / 50
2021	-0.60%	-0.84%	+0.24	33 / 50
2020	-0.44%	+2.60%	-3.04	41 / 47
2019	+9.95%	+1.86%	+8.09	5 / 45
2018	-0.09%	+1.66%	-1.75	42 / 46
2017	-0.22%	+0.89%	-1.11	35 / 46
2016	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.71%

104 windows

min -8.8% · max 15.1%

49% positive

3-Year rolling

+0.71%

80 windows

min -4.5% · max 6.2%

48% positive

5-Year rolling

+0.30%

56 windows

min -2.6% · max 1.8%

57% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.75%

31 windows

min 0.4% · max 0.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.04%

3-year · annualised

Sharpe ratio

-6.28

vs risk-free 6.5%

Sortino ratio

-9.11

Downside-only deviation

Max drawdown

-2.56%

Apr 2025 → Apr 2026

% positive months

50.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2444	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.9197
2 Jun 2026	₹10.9209
1 Jun 2026	₹10.9161
29 May 2026	₹10.9100
27 May 2026	₹10.9017
26 May 2026	₹10.8952
25 May 2026	₹10.8944
22 May 2026	₹10.8825
21 May 2026	₹10.8760
20 May 2026	₹10.8858

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option is ₹10.9197. It's a Banking & PSU Fund from Edelweiss, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option has NAV history starting from 28 Nov 2016, a track record of about 9 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option is managed by Edelweiss. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option has delivered a absolute return of 0.00% — -0.62 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #23 of 60 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option has delivered a CAGR of -0.02% — -1.83 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #36 of 57 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option has delivered a CAGR of -0.64% — -2.13 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #46 of 50 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option exactly 5 years ago would be worth approximately ₹96,841 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.64%. The category average over the same window would have grown ₹1 lakh to ₹107,649.

A ₹10,000 monthly SIP in Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹596,593 today. That's an XIRR (money-weighted annualised return) of -0.22%.

Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹827,654 — XIRR -0.42%.

On a 5-year basis, Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option ranks #46 out of 50 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.49%; this fund delivered -0.64%.

The worst peak-to-trough decline Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option has experienced over the last 5-year window is 5.51% — its NAV fell from a high on 23 Sep 2021 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option averaged 0.30% (best 1.75%, worst -2.59%). 57% of rolling windows ended positive. The 5-year Sharpe ratio is -5.01 — negative risk-adjusted performance.

In calendar year 2025, Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option returned -0.10% — lagging the Banking & PSU Fund category average of 2.37% by 2.46 pp. It ranked #49 of 52 in its category that year.

Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Edelweiss Banking and PSU Debt Fund - Direct Plan Monthly - IDCW Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: -0.64%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.